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HealthPartners Journey Stride (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Journey Stride (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Journey Stride (PPO) in 2026, please refer to our full plan details page.
HealthPartners Journey Stride (PPO) is a PPO plan offered by HealthPartners, Inc. available for enrollment in 2025 to people living in Metro and Central MN Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HealthPartners Journey Stride (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about HealthPartners Journey Stride (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For HealthPartners Journey Stride (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $70.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $300.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $6000.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $6000.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The HealthPartners Journey Stride (PPO) plan features a $300 annual drug deductible. Under this plan, Tier 1 preferred generic drugs have no copay for one-month or three-month supplies filled at standard pharmacies or through mail order. For Tier 2 generic drugs, you will pay an $8 copay for a one-month supply, while a three-month supply costs $24 at standard pharmacies or a reduced $16 through preferred mail order. Higher-tier medications are covered under coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 20% coinsurance, while Tier 4 non-preferred drugs have a 35% coinsurance for both one-month and three-month supplies. Specialty Tier 5 drugs require a 27% coinsurance for a one-month supply across standard pharmacies and mail-order options.
Additional Benefits
The HealthPartners Journey Stride (PPO) plan offers affordable medical coverage with no copay or coinsurance for primary care visits, preventive screenings, and home health care. Inpatient hospital stays require a $250 daily copay for days 1 through 5 followed by no copay for subsequent days, while emergency care carries a $130 copay that is waived upon admission. Outpatient services require a $350 copay, and specialist visits are available for a $40 copay with no coinsurance. This plan also includes valuable supplemental benefits, such as a $2,000 annual dental allowance featuring no copay for preventive care and coinsurance up to 75% for restorative services. Vision and hearing benefits include routine exams for a $40 copay, alongside no copay for covered eyewear and a $499 to $999 copay for prescription hearing aids. Additionally, members receive a $25 quarterly over-the-counter allowance with no copay or coinsurance.
Inpatient Hospital See details
HealthPartners Journey Stride (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $250 daily copay for days 1 through 5 and no copay for days 6 and beyond for both acute and psychiatric stays. Non-Medicare-covered stays and upgrades are not covered under this benefit.
Outpatient Services See details
HealthPartners Journey Stride (PPO) covers outpatient hospital services with a $350 copay and ambulatory surgical center services with a $300 copay, both with no coinsurance. Observation services carry a $250 daily copay, outpatient substance abuse sessions require a $40 copay, and outpatient blood services are available with no copay or coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered under the HealthPartners Journey Stride (PPO) plan with a $55.00 copay and no coinsurance.
Ambulance and Transportation Services See details
HealthPartners Journey Stride (PPO) covers ambulance services requiring prior authorization, with a $300 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport. Transportation services to health-related locations are not covered.
Emergency Services See details
HealthPartners Journey Stride (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and 20% coinsurance.
Primary Care See details
HealthPartners Journey Stride (PPO) covers primary care physician services with no copay and no coinsurance, while specialists, therapies, and mental health services require a $40 copay and no coinsurance. Routine chiropractic care is partially covered with a $15 copay and no coinsurance, but other chiropractic services and podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered by HealthPartners Journey Stride (PPO), offering annual physical exams, kidney disease education, and screenings with no copay and no coinsurance, while remote access technologies require a $0 to $40 copay and no coinsurance. Sub-services that are not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, in-home support, caregiver support, enhanced disease management, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by HealthPartners Journey Stride (PPO), which offers routine hearing exams for a $40 copay and fitting evaluations with no copay, both with no coinsurance or deductibles. Up to two prescription hearing aids are covered yearly with a copay of $499 to $999 and no coinsurance, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
HealthPartners Journey Stride (PPO) provides partially covered vision services, including one routine eye exam per year for a $40 copay and no coinsurance, with no deductible. Covered eyewear, such as contact lenses and eyeglasses (lenses and frames), has no copay, no coinsurance, and no deductible, though other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered.
Dental Services See details
HealthPartners Journey Stride (PPO) partially covers dental services with a $2,000 annual maximum for both in-network and out-of-network care. Preventive services are offered with no copay and no coinsurance, while restorative services have no copay and a 50% to 75% coinsurance, periodontics have no copay and a 0% to 50% coinsurance, and orthodontics and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
HealthPartners Journey Stride (PPO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs have no copay and 0% to 20% coinsurance, while Medicare Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
HealthPartners Journey Stride (PPO) covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
HealthPartners Journey Stride (PPO) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, with no copays and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies feature a coinsurance ranging from 0% to 20% depending on the manufacturer.
Diagnostic and Radiological Services See details
HealthPartners Journey Stride (PPO) partially covers diagnostic and radiological services, as lab services are not covered. Covered diagnostic procedures carry a $50 copay with no coinsurance, while radiological services require prior authorization and range from a $25 copay for X-rays to a $225 copay for diagnostic radiology and 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home health services are covered by HealthPartners Journey Stride (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
HealthPartners Journey Stride (PPO) covers some services under its Cardiac Rehabilitation Services benefit with no copay and no coinsurance, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by HealthPartners Journey Stride (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, prior inpatient hospital stays of less than three days are allowed, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
HealthPartners Journey Stride (PPO) covers other services including acupuncture with a $40 copay and no coinsurance (up to 20 treatments annually), and a $25 quarterly over-the-counter allowance with no copay or coinsurance. Chronic illness meals, emergency travel logistics, and travel counseling are also covered with no copay or coinsurance, while treatment at the scene has a $300 copay and no coinsurance.
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